Home Loans for Accounting Professionals

Exclusive lending benefits for accountants, auditors & finance leaders

Accounting professionals are considered low-risk borrowers due to strong qualifications, career stability, and structured income. This means lenders may offer you exclusive home loan advantages, including:

• Lower interest rates

• Reduced or waived fees

• Higher borrowing capacity

• LMI waivers up to 90% LVR (buy with as little as a 10% deposit)

Over the life of your loan, these benefits can save you tens of thousands of dollars and create more opportunities to invest, upgrade, or refinance strategically.

At My Finance Consultants, we take care of the entire finance process for you — comparing lenders, structuring your loan effectively, preparing applications, and managing approval and settlement — so your experience is smooth, clear, and time-efficient.

Who is eligible?

Professionals who may qualify include:

• Accountant

• Auditor

• Actuary

• Chartered Financial Analyst (CFA)

• Finance Manager

• Financial Controller

• Chief Financial Officer

• Finance Director or Partner

If you are a CA, CPA, CFA or FIAA, or hold a recognised accounting qualification, you may be eligible for an LMI waiver and reduced home loan pricing.

Key advantages for accounting professionals

LMI Waivers up to 90% LVR

Buy with a smaller deposit while avoiding Lenders Mortgage Insurance.

Higher Borrowing Capacity

Your earning strength and profession category allow lenders to apply more flexible servicing criteria.

Exclusive Interest Rate Discounts

Professional packages often include reduced rates and waived fees.

Investment Portfolio Growth

Leverage smaller deposits to build a multi-property strategy sooner.

Company & Trust Structure Flexibility

We can structure loans to support tax and asset protection strategies.

Estimate your numbers

Use our tools to get a clearer picture of your lending position:

• Borrowing Power Calculator

• Mortgage Repayment Calculator

This helps you understand affordability before making decisions.

Understanding the LMI waiver

Lenders Mortgage Insurance (LMI) normally applies when borrowing above 80% LVR.

However, many accounting professionals may qualify to borrow: Up to 90% LVR with no LMI

This can mean:

• Lower upfront costs

• Reduced monthly repayments

• Faster entry into premium suburbs

• More capital available for investment

This is one of the most valuable advantages your profession unlocks.

Our streamlined process

Initial clarity call

We seek to understand your goals and confirm eligibility.

Loan strategy & lender shortlisting

Propose lenders based on your objectives and priorities.

Submit your application

We package the loan application and seek approval from the lender, no admin burden on you.

Approval & settlement support

We manage communication end-to-end to ensure a smooth settlement.

Annual loan review

We ensure your rate remains competitive. You stay informed — without needing to manage the paperwork.

FAQs

What is the maximum LVR I can borrow without LMI?

Accounting professionals who meet eligibility criteria can borrow up to 90% LVR without LMI.

What proof do I need?

Current membership with CA ANZ, CPA Australia, CFA Institute, or Actuaries Institute.

Does joint ownership still qualify for LMI waiver?

Yes — as long as at least one applicant meets eligibility criteria.

Can I access these benefits for investment property?

Yes — most lenders extend professional benefits to both owner-occupier and investment loans.